23 pages of paperwork for a motor renewal: is the FSA neglecting environmental, as well as broker, costs?

Although I fully support the Financial Services Authority ideal of offering the general insurance customer choice and treating them fairly, I recently offered a motor insurance renewal to a long-standing client.

As always, I searched the market for any potential alternative policy, and offered alongside his existing renewal, now at its lowest level for four years, a quotation of £118 less than that paid in 2004.

The resulting paperwork amounted to 23 pages. The paper and postage alone is a hugely excessive burden on our own costs.

The commission potential on the lesser quotation is less than that paid on the current policy.

When the FSA regulations were introduced, did it take into consideration environmental, let alone broker costs? And did it really think that the client would read all 23 pages?

Name and address supplied.